CHECKING

Checking Accounts:

Added Security & ID Protection

Emery’s Secure and Rewards Secure accounts provide protection for our members, joint account holders, spouse, dependent children to age 25 and parents living in the same household as the account owner, for any identity fraud event, financial or otherwise, anywhere in the world. Even if the event has nothing to do with your account at Emery Federal Credit Union.

Checking Accounts with ID Protection include:

  • Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
  • Debit and Credit Card Registration (Registration/activation required.)
  • Credit File Monitoring¹ – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports (Registration/activation required.)
  • 3-in-1 Credit Report – request a new 3-in-1 report every 90 days or upon receipt of a credit alert (Registration/activation required.)
  • Credit Score – receive a new single bureau credit score with every new credit report (Registration/activation required) Credit Score is a VantageScore 3.0 based on Equifax data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.
  • Total Identity Monitoring – monitor of over 1,000 databases. (Registration/activation required.)
  • PLUS Cell Phone Protection² – against stolen or damaged phones. As an eligible account holder you receive up to $300 to reimburse the cost of replacing or repairing your device. This protection covers you at home and abroad. (Your most recent month’s cell phone billing must be paid from your Emery Secure Account to be eligible for cell phone protection benefit).

Emery Rewards Secure

  • No Minimum Balance
  • Online & Mobile Banking
  • Online Bill Pay
  • eDeposit & eStatements
  • Overdraft Protection
  • Unlimited Check Writing
  • ID Theft Protection
  • Cell Phone Protection
  • Competitive Monthly Dividends
  • $3.95 Monthly Fee*

Emery Secure

  • No Minimum Balance
  • Online & Mobile Banking
  • Online Bill Pay
  • eDeposit & eStatements
  • Overdraft Protection
  • Unlimited Check Writing
  • ID Theft Protection
  • Cell Phone Protection
  • $3.95 Monthly Fee

Emery Basic

  • No Minimum Balance
  • Online & Mobile Banking
  • Online Bill Pay
  • eDeposit & eStatements
  • Overdraft Protection
  • 10 Checks Free

2nd Chance

  • Online & Mobile Banking
  • Online Bill Pay
  • $5 Monthly Fee

Emery Rewards Secure Checking

In addition to all the features and benefits of our Emery Secure Checking, a Rewards Secure Checking account pays you back for just using your account.

Members can earn a dividend of up to 1.75% when the following qualifications are met:

  • Have a debit card purchases totaling $350 monthly
  • Are enrolled in monthly eStatements
  • Use the Online or Mobile banking feature (1x/month)
  • Make 1 direct deposit of $500 or more (1x/month)
  • 1.75 APY** on balances up to $2500
  • 0.10% APY** on balances over $2500
  • 0% on non-qualifying balances

*Have your Rewards Secure Monthly Fee Waived

Rewards Secure Members monthly service fee is waived each monthly debit card purchases reach $700 per month or more – as long as all other qualifications listed are met.


**APY = Annual percentage yield accurate as of 1/1/2015. Rates may change after account is opened. If qualifications are met each monthly qualification cycle balances up to $2,500 will receive 1.75% APY and balances over $2,500 will earn .10% APY. If qualifications are not met at all, no dividend will be paid. Qualifying transactions must post and settle to account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.





¹Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

²Special Insurance Program Notes: The descriptions herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Guide to Benefit for complete details of coverage.

Insurance Products are not a deposit of or guaranteed by Emery Federal CU or any CU Affiliate and are not insured by the NCUA or Any Federal Government Agency.